Supported Regions
Encrypto is designed for a global user base, with an initial focus on Latin America and the United States.
Currently Available
| Region | Card Issuance | P2P Wallet | KYC Provider |
|---|---|---|---|
| United States | Yes | Yes | Bridge |
| Latin America | Rolling out | Yes | Bridge |
Why Latin America First
Latin America has the highest crypto adoption rates relative to GDP in the world. The region has a combination of factors that make crypto-native banking not just attractive, but necessary:
- Currency instability. Multiple LATAM currencies have experienced 30-100%+ inflation in recent years. USDC offers dollar-denominated stability without requiring a US bank account.
- Banking exclusion. Hundreds of millions of people across the region are unbanked or underbanked. Traditional banking infrastructure requires physical branches, minimum balances, and lengthy onboarding.
- Remittance corridors. Cross-border payments between LATAM countries and the US are a massive market with high fees (5-8% average). Crypto rails reduce this to near-zero.
- Mobile-first population. Smartphone penetration is high. Users are already comfortable with digital-first financial products.
Expansion Roadmap
We're expanding card issuance and local currency off-ramp support to additional markets throughout 2026. The P2P wallet is available globally from day one — you just need an internet connection and a supported social login.
Regulatory Approach
Encrypto works with licensed banking and payments partners in each jurisdiction. We don't hold customer funds or operate as a bank. Our role is the technology layer — the wallet infrastructure, liquidity engine, and user interface. Banking and card issuance are handled by regulated partners.
This structure lets us move fast without regulatory bottleneck while maintaining full compliance in every market we operate in.